/* --- CSS RESET & NORMALIZE --- */
html, body, div, span, applet, object, iframe,
h1, h2, h3, h4, h5, h6, p, blockquote, pre,
a, abbr, acronym, address, big, cite, code,
del, dfn, em, img, ins, kbd, q, s, samp,
small, strike, strong, sub, sup, tt, var,
b, u, i, center,
dl, dt, dd, ol, ul, li,
fieldset, form, label, legend,
table, caption, tbody, tfoot, thead, tr, th, td,
article, aside, canvas, details, embed,
figure, figcaption, footer, header, hgroup,
menu, nav, output, ruby, section, summary,
time, mark, audio, video {
  margin: 0;
  padding: 0;
  border: 0;
  font-size: 100%;
  font: inherit;
  vertical-align: baseline;
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
  height: 100%;
}
body {
  font-family: 'Open Sans', Arial, sans-serif;
  min-height: 100vh;
  background: #F6F7F9;
  color: #181C20;
  line-height: 1.6;
}
img {
  max-width: 100%;
  height: auto;
  display: block;
}
input, button, textarea, select {
  font: inherit;
  background: none;
  border: none;
  outline: none;
}
a {
  color: #014A84;
  text-decoration: none;
  transition: color 0.2s;
}
a:hover, a:focus {
  color: #FFB700;
  text-decoration: underline;
}
ul, ol {
  list-style: none;
}
button {
  cursor: pointer;
}

:root {
  --primary: #014A84;
  --primary-rgb: 1,74,132;
  --secondary: #F6F7F9;
  --accent: #FFB700;
  --accent-rgb: 255,183,0;
  --danger: #e53550;
  --font-display: 'Montserrat', Arial, Helvetica, sans-serif;
  --font-body: 'Open Sans', Arial, Helvetica, sans-serif;
  --shadow-light: 0 2px 8px rgba(1,74,132,0.09);
  --shadow-card: 0 8px 32px rgba(1,74,132,0.13);
}

/* --- TYPOGRAPHY & HEADINGS --- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  letter-spacing: 0.01em;
  font-weight: 800;
  margin-bottom: 12px;
  color: #014A84;
}
h1 {
  font-size: 2.5rem;
  line-height: 1.1;
  margin-bottom: 16px;
}
h2 {
  font-size: 2rem;
  margin-bottom: 12px;
}
h3 {
  font-size: 1.25rem;
  margin-bottom: 8px;
}
h4 {
  font-size: 1rem;
  margin-bottom: 4px;
}
p,
.content-wrapper > ul,
.content-wrapper > ol {
  font-size: 1.06rem;
  margin-bottom: 16px;
}
strong {
  color: #014A84;
  font-weight: 700;
}

@media (max-width: 600px) {
  h1 { font-size: 1.7rem; }
  h2 { font-size: 1.2rem; }
  h3 { font-size: 1.08rem; }
  p { font-size: 1rem; }
}


/* --- LAYOUT CONTAINERS --- */
.container {
  width: 100%;
  max-width: 1152px;
  margin-left: auto;
  margin-right: auto;
  padding: 0 20px;
}
.section {
  margin-bottom: 60px;
  padding: 40px 20px;
  background: #fff;
  border-radius: 24px;
  box-shadow: var(--shadow-light);
  position: relative;
}
@media (max-width: 768px) {
  .section {
    margin-bottom: 32px;
    padding: 24px 8px;
    border-radius: 12px;
  }
}

.content-wrapper {
  display: flex;
  flex-direction: column;
  gap: 20px;
  width: 100%;
}

/* --- NAVIGATION --- */
header {
  background: #fff;
  box-shadow: 0 5px 18px rgba(1,74,132,0.07);
  z-index: 30;
  position: sticky;
  top: 0;
  width: 100%;
}
.main-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  max-width: 1152px;
  margin: 0 auto;
  min-height: 70px;
}
.main-nav > a img {
  height: 44px;
}
.main-nav ul {
  display: flex;
  gap: 18px;
  align-items: center;
}
.main-nav ul li a {
  font-family: var(--font-display);
  font-weight: 600;
  color: #014A84;
  padding: 6px 10px;
  border-radius: 8px;
  font-size: 1.08rem;
  letter-spacing: 0.01em;
  transition: background 0.18s, color 0.16s;
}
.main-nav ul li a:hover, .main-nav ul li a:focus {
  background: var(--accent);
  color: #181C20;
}
.btn-primary {
  background: var(--accent);
  color: #10141b;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.1rem;
  letter-spacing: 0.02em;
  padding: 0.85em 2.2em;
  border-radius: 36px;
  box-shadow: 0 6px 24px rgba(255,183,0,0.23);
  transition: background 0.19s, color 0.16s, box-shadow 0.17s, transform 0.11s;
  display: inline-block;
  text-align: center;
  border: none;
}
.btn-primary:hover, .btn-primary:focus {
  background: #ffce38;
  color: #014A84;
  box-shadow: 0 12px 26px rgba(255,183,0,0.28);
  transform: scale(1.042);
  text-decoration: none;
  outline: none;
}

/* --- BURGER MENU STYLES --- */
.mobile-menu-toggle {
  display: none;
  background: var(--accent);
  color: #014A84;
  font-size: 2.2rem;
  border: none;
  border-radius: 50%;
  height: 46px;
  width: 46px;
  align-items: center;
  justify-content: center;
  transition: background 0.16s;
  position: absolute;
  right: 18px;
  top: 12px;
  z-index: 51;
}
.mobile-menu-toggle:focus {
  outline: 2px solid #014A84;
}
@media (max-width: 1100px) {
  .main-nav ul {
    display: none;
  }
  .main-nav .btn-primary {
    display: none;
  }
  .mobile-menu-toggle {
    display: flex;
  }
}

/* --- MOBILE MENU --- */
.mobile-menu {
  position: fixed;
  top: 0; left: 0;
  width: 100vw;
  height: 100vh;
  background: rgba(1,74,132,0.99);
  color: #fff;
  z-index: 1001;
  display: flex;
  flex-direction: column;
  transform: translateX(-120vw);
  transition: transform 0.38s cubic-bezier(.45,.03,.48,.97);
}
.mobile-menu.open {
  transform: translateX(0);
}
.mobile-menu-close {
  background: transparent;
  color: #fff;
  font-size: 2.2rem;
  border: none;
  margin: 14px 20px;
  align-self: flex-end;
  z-index: 11;
  transition: color 0.13s, background 0.13s;
}
.mobile-menu-close:focus {
  color: var(--accent);
}
.mobile-nav {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-top: 80px;
  width: 95vw;
  align-items: center;
}
.mobile-nav a {
  color: #fff;
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  background: rgba(255,255,255,0.07);
  padding: 16px 48px;
  border-radius: 28px;
  transition: background 0.17s, color 0.17s;
  min-width: 210px;
  text-align: center;
  margin: 0 0 0 0;
}
.mobile-nav a:focus, .mobile-nav a:hover {
  background: var(--accent);
  color: #014A84;
}
@media (min-width: 1101px) {
  .mobile-menu-toggle,
  .mobile-menu {
    display: none !important;
  }
}

/* --- HERO SECTION --- */
.hero {
  background: linear-gradient(90deg, #014A84 90%, #FFB700 100%);
  color: #fff;
  padding: 56px 0 40px 0;
  margin-bottom: 60px;
}
.hero .container {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.hero .content-wrapper {
  gap: 20px;
}
.hero h1 {
  color: #fff;
  font-size: 2.7rem;
  line-height: 1.13;
  font-weight: 800;
  text-shadow: 0 2px 12px rgba(1,74,132,0.32);
}
.hero p {
  font-size: 1.23rem;
  color: #f6f7f9;
  max-width: 540px;
}
.hero .btn-primary {
  margin-top: 8px;
  font-size: 1.08rem;
  background: #fff;
  color: #014A84;
  box-shadow: 0 6px 24px rgba(255,183,0,0.16);
}
.hero .btn-primary:hover {
  background: #FFB700;
  color: #014A84;
}
@media (max-width: 700px) {
  .hero {
    padding: 36px 0 24px 0;
    margin-bottom: 27px;
  }
  .hero h1 {
    font-size: 1.45rem;
  }
  .hero p {
    font-size: 1rem;
  }
}

/* --- SECTION & CARD LAYOUTS --- */
.features, .faq, .services, .steps, .cta, .confirmation, .contact, .legal, .about, .testimonials, .text-section {
  margin-bottom: 60px;
  padding: 40px 0;
  background: #fff;
  border-radius: 32px;
  box-shadow: var(--shadow-light);
}
@media (max-width: 700px) {
  .features, .faq, .services, .steps, .cta, .confirmation, .contact, .legal, .about, .testimonials, .text-section {
    margin-bottom: 32px;
    padding: 24px 0;
    border-radius: 14px;
  }
}

/* FLEXBOX SYSTEMS */
.card-container {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}
.card {
  background: #fff;
  border-radius: 18px;
  box-shadow: var(--shadow-card);
  padding: 32px 24px;
  margin-bottom: 20px;
  position: relative;
  transition: box-shadow 0.19s, transform 0.19s;
}
.card:hover {
  box-shadow: 0 12px 36px rgba(1,74,132,0.19);
  transform: translateY(-4px) scale(1.03);
}
.card-content {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 9px;
}
.content-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
}
@media (max-width: 910px) {
  .content-grid, .card-container, .feature-grid {
    flex-direction: column;
    gap: 18px;
  }
}
.text-image-section {
  display: flex;
  align-items: center;
  gap: 30px;
  flex-wrap: wrap;
}
@media (max-width: 768px) {
  .text-image-section {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }
}
.feature-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 28px;
  margin-top: 24px;
}
.feature-item {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 15px;
  background: #F6F7F9;
  border-radius: 18px;
  box-shadow: 0 2px 16px rgba(1,74,132,0.10);
  padding: 32px 24px 28px 24px;
  flex: 1 1 270px;
  min-width: 255px;
  max-width: 370px;
  transition: box-shadow 0.15s, background 0.15s;
}
.feature-item:hover {
  background: #fffbe9;
  box-shadow: 0 6px 18px rgba(255,183,0,0.12);
}
.feature-item img {
  width: 44px; height: 44px;
}
.feature-item h3 {
  color: #014A84;
  font-size: 1.28rem;
  font-weight: 700;
}

/* --- TESTIMONIALS --- */
.testimonials {
  background: #f6f7f9;
  box-shadow: none;
}
.testimonials h2 {
  color: #014A84;
  font-family: var(--font-display);
  margin-bottom: 22px;
}
.testimonial-card {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px 34px 20px 28px;
  background: #fff;
  border-radius: 22px;
  margin-bottom: 24px;
  box-shadow: 0 3px 18px rgba(1,74,132,0.1);
  font-size: 1.08rem;
  color: #01567a;
  font-family: var(--font-body);
  font-weight: 600;
  max-width: 650px;
  min-width: 250px;
  transition: box-shadow 0.16s, border-color 0.13s;
}
.testimonial-card strong {
  color: #014A84;
  font-weight: 800;
}
.testimonial-card p {
  color: #272F39;
}
@media (max-width: 740px) {
  .testimonial-card {
    flex-direction: column;
    gap: 12px;
    padding: 22px 13px 20px 13px;
  }
}

/* --- TABLES --- */
table {
  border-collapse: collapse;
  width: 100%;
  background: #f6f7f9;
  border-radius: 11px;
  overflow: hidden;
  margin-bottom: 16px;
  font-size: 1rem;
}
thead tr {
  background: #014A84;
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
}
th, td {
  padding: 14px 16px;
  text-align: left;
}
td {
  font-family: var(--font-body);
  color: #272f39;
  background: #fafdfe;
}
tbody tr:nth-child(odd) td {
  background: #f6f7f9;
}
table tr {
  border-bottom: 1px solid #e2e7ee;
}
table tr:last-child {
  border-bottom: none;
}
@media (max-width: 670px) {
  table, thead, tbody, th, td, tr {
    display: block;
    width: 100%;
  }
  th,
  td {
    padding: 8px 9px;
  }
  thead {
    display: none;
  }
  tr {
    margin-bottom: 10px;
    box-shadow: 0 2px 7px rgba(1,74,132,0.07);
    border-radius: 9px;
    background: #f6f7f9;
  }
  td {
    background: #fff;
    position: relative;
    padding-left: 50%;
    margin-bottom: 6px;
    min-height: 30px;
  }
  td:before {
    position: absolute;
    top: 6px;
    left: 10px;
    width: 44%;
    white-space: nowrap;
    font-weight: 700;
    color: #014A84;
    display: block;
    font-family: var(--font-display);
    content: attr(data-label);
  }
}

/* --- FAQ & ACCORDION --- */
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.faq-item {
  background: #F6F7F9;
  border-radius: 20px;
  box-shadow: 0 2px 8px rgba(1,74,132,0.07);
  overflow: hidden;
  transition: box-shadow 0.17s;
  margin-bottom: 10px;
  padding: 16px 22px 8px 22px;
}
.faq-item h3 {
  color: #014A84;
  font-size: 1.11rem;
  font-family: var(--font-display);
  cursor: pointer;
  margin-bottom: 7px;
  font-weight: 700;
  transition: color 0.21s;
}
.faq-item h3:hover {
  color: var(--accent);
}
.faq-content {
  font-family: var(--font-body);
  font-size: 1rem;
  color: #292a30;
  margin-bottom: 7px;
  margin-top: 0.3em;
}
.faq-accordion .open {
  box-shadow: 0 8px 20px rgba(255,183,0,0.14);
  background: #fffbe9;
}

/* --- CTA / CALL TO ACTION --- */
.cta {
  background: #FFB700;
  color: #013a73 !important;
  box-shadow: 0 6px 18px rgba(255,183,0,0.08);
  text-align: left;
}
.cta h2 {
  color: #013a73;
  font-weight: 900;
}
.cta p {
  color: #0565b1;
  font-weight: 500;
}
.cta .btn-primary {
  background: #014A84;
  color: #fff;
  margin-top: 8px;
}
.cta .btn-primary:hover {
  background: #0093ff;
  color: #fff;
}

/* --- FOOTER --- */
footer {
  background: #014A84;
  color: #fff;
  font-family: var(--font-body);
  font-size: 1rem;
  margin-top: 46px;
}
.footer-wrapper {
  display: flex;
  flex-wrap: wrap;
  gap: 34px;
  align-items: flex-start;
  justify-content: space-between;
  max-width: 1152px;
  margin: 0 auto;
  padding: 32px 20px 22px 20px;
}
.footer-wrapper img {
  height: 48px;
}
.footer-wrapper ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-wrapper ul li a {
  color: #fff;
  font-weight: 600;
  font-size: 0.97rem;
  letter-spacing: 0.01em;
  opacity: 0.92;
  transition: color 0.2s, opacity 0.17s;
}
.footer-wrapper ul li a:hover, .footer-wrapper ul li a:focus {
  color: #FFB700;
  opacity: 1;
}
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-size: 0.98rem;
  opacity: 0.98;
}
.footer-contact span {
  display: flex;
  align-items: center;
  gap: 7px;
}
.footer-contact a {
  color: #FFB700;
  font-weight: 600;
  text-decoration: underline;
  font-size: 1.05em;
}
.footer-contact img {
  height: 22px; width: 22px;
  filter: brightness(88);
}
@media (max-width: 900px) {
  .footer-wrapper {
    flex-direction: column;
    align-items: flex-start;
    gap: 30px;
    padding: 28px 14px 17px 14px;
  }
}

/* --- INPUTS & FORMS --- */
input, textarea, select {
  border-radius: 9px;
  padding: 14px 12px;
  border: 1.6px solid #dbe8f3;
  background: #f8fafc;
  color: #181C20;
  margin-bottom: 12px;
  font-size: 1.07em;
  transition: border 0.17s, box-shadow 0.13s;
}
input:focus, textarea:focus, select:focus {
  border-color: #0093ff;
  box-shadow: 0 0 0 2px #b9e6fe;
}
label {
  font-family: var(--font-display);
  color: #014A84;
  font-weight: 600;
  font-size: 1em;
}

/* --- CONFIRMATION PAGE --- */
.confirmation {
  text-align: center;
  background: #fffbe9;
  box-shadow: 0 2px 14px rgba(255,183,0,0.123);
  border-radius: 18px;
}
.confirmation h1 {
  color: #014A84;
}
.confirmation p {
  color: #10141b;
}

/* --- LEGAL SECTION --- */
.legal h1, .legal h2 {
  color: #014A84;
}
.legal ul {
  margin-left: 19px;
  margin-bottom: 18px;
  color: #272F39;
}
.legal ul li {
  list-style: disc;
  margin-bottom: 4px;
}
.legal a {
  color: #014A84;
  text-decoration: underline;
}
.legal a:hover { color: #FFB700; }

/* --- ABOUT/TEXT SECTIONS --- */
.about h1 {
  color: #014A84;
}
.text-section h1, .text-section h2 {
  color: #014A84;
}
.text-section p {
  color: #1a1c1f;
}

/* --- CONTACT PAGE --- */
.contact .footer-contact a {
  color: #014A84;
  font-weight: 700;
  text-decoration: underline;
}
.contact .footer-contact a:hover {
  color: #FFB700;
}

/* --- COOKIE CONSENT BANNER --- */
.cookie-banner {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  width: 100vw;
  background: #181C20;
  color: #fff;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 18px 8px 24px 8px;
  box-shadow: 0 -3px 16px rgba(1,74,132,0.15);
  z-index: 10901;
  gap: 20px;
  font-size: 1.03rem;
  animation: banner-fade-in 0.8s;
}
.cookie-banner .cookie-text {
  max-width: 500px;
  margin-right: 12px;
  font-size: 1rem;
}
.cookie-banner .cookie-actions {
  display: flex;
  gap: 12px;
  align-items: center;
}
.cookie-banner button {
  font-family: var(--font-display);
  padding: 8px 22px;
  margin: 0 1px;
  border-radius: 22px;
  border: none;
  font-weight: 700;
  font-size: 1rem;
  transition: background 0.17s, color 0.14s, box-shadow 0.12s;
  box-shadow: 0 1px 5px rgba(255,183,0,0.11);
}
.cookie-banner .accept {
  background: var(--accent);
  color: #014A84;
}
.cookie-banner .accept:hover, .cookie-banner .accept:focus {
  background: #FFD940;
}
.cookie-banner .reject {
  background: #fff;
  color: #e53550;
  border: 1.5px solid #e53550;
}
.cookie-banner .reject:hover, .cookie-banner .reject:focus {
  background: #ffe7eb;
}
.cookie-banner .settings {
  background: #014A84;
  color: #fff;
}
.cookie-banner .settings:hover, .cookie-banner .settings:focus {
  background: #0093ff;
}
@media (max-width: 600px) {
  .cookie-banner {
    flex-direction: column;
    align-items: flex-start;
    gap: 14px;
    padding: 13px 6px 18px 6px;
    font-size: 0.95rem;
  }
  .cookie-banner .cookie-actions {
    flex-direction: column;
    gap: 7px;
    align-items: stretch;
  }
}
@keyframes banner-fade-in {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Cookie Modal (hidden by default, shown with .show) */
.cookie-modal-overlay {
  display: none;
  position: fixed;
  z-index: 12001;
  left: 0; top: 0; width: 100vw; height: 100vh;
  background: rgba(8,18,36,0.72);
  align-items: center;
  justify-content: center;
  animation: modal-fade-in 0.33s;
}
.cookie-modal-overlay.show {
  display: flex;
}
.cookie-modal {
  background: #fff;
  color: #014A84;
  max-width: 420px;
  width: 98vw;
  border-radius: 22px;
  box-shadow: 0 7px 40px rgba(1,74,132,0.16);
  padding: 36px 28px 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 19px;
  animation: modal-pop-in 0.33s;
  position: relative;
}
.cookie-modal h2 {
  font-size: 1.45rem;
  margin-bottom: 6px;
  color: #014A84;
  font-family: var(--font-display);
  font-weight: 800;
}
.cookie-modal label {
  display: flex;
  align-items: center;
  gap: 9px;
  font-weight: 600;
  cursor: pointer;
  font-size: 1.08rem;
  margin-bottom: 7px;
}
.cookie-modal input[type=checkbox] {
  width: 18px;
  height: 18px;
  accent-color: #FFB700;
  margin-right: 4px;
}
.cookie-modal .modal-actions {
  display: flex;
  gap: 12px;
  margin-top: 10px;
  align-items: center;
}
.cookie-modal button {
  font-family: var(--font-display);
  padding: 8px 20px;
  border-radius: 21px;
  font-size: 1rem;
  font-weight: bold;
  border: none;
  margin: 0;
  background: var(--accent);
  color: #014A84;
  transition: background 0.19s, color 0.17s;
}
.cookie-modal .close {
  position: absolute;
  right: 19px; top: 11px;
  background: none;
  color: #014A84;
  font-size: 1.5rem;
  border: none;
  font-weight: 600;
}
.cookie-modal .close:hover {
  color: #FFB700;
}
@media (max-width: 550px) {
  .cookie-modal {
    padding: 22px 7px 18px 11px;
    border-radius: 14px;
  }
  .cookie-modal h2 {
    font-size: 1.09rem;
  }
}
@keyframes modal-fade-in {
  from { opacity: 0; }
  to { opacity: 1; }
}
@keyframes modal-pop-in {
  0% { opacity: 0; transform: scale(0.95); }
  100% { opacity: 1; transform: scale(1); }
}

/* --- MISCELLANEOUS & OVERRIDES --- */
::-webkit-scrollbar {
  width: 10px;
  background: #f6f7f9;
}
::-webkit-scrollbar-thumb {
  background: #d0e2fa;
  border-radius: 8px;
}

@media (max-width: 400px) {
  .btn-primary,
  .cookie-banner button,
  .cookie-modal button {
    font-size: 0.97rem;
    padding: 0.79em 1.28em;
  }
  .footer-wrapper img { height: 32px; }
}

/* Ensure min content spacing for all wrappers */
.section, .features, .faq, .cta, .testimonials, .contact, .confirmation, .about, .services, .legal, .text-section {
  margin-bottom: 60px;
  padding: 40px 20px;
}
.card-container { display: flex; flex-wrap: wrap; gap: 24px; }
.card { margin-bottom: 20px; position: relative; }
.content-grid { display: flex; flex-wrap: wrap; gap: 20px; justify-content: space-between; }
.text-image-section { display: flex; align-items: center; gap: 30px; flex-wrap: wrap; }
.testimonial-card { display: flex; align-items: center; gap: 20px; padding: 20px; }
.feature-item { display: flex; flex-direction: column; align-items: flex-start; gap: 15px; }

@media (max-width: 768px) {
  .section, .features, .faq, .cta, .testimonials, .about, .contact, .confirmation, .services, .legal, .text-section {
    margin-bottom: 32px;
    padding: 22px 6px;
  }
  .content-grid, .card-container, .feature-grid {
    flex-direction: column;
    gap: 16px;
  }
  .footer-wrapper {
    flex-direction: column;
    gap: 18px;
  }
}
/* Utility - visually hidden for accessibility */
.visually-hidden { position: absolute; left: -9999px; width: 1px; height: 1px; top: auto; overflow: hidden; }